Because churches have grown increasingly vulnerable to false accusations and lawsuits, if someone claims harm, you want liability coverage to step in and cover you. Discuss the possibility of all exposures so that you can acquire adequate protection. What are the common types of liability? First, you have general liability, which covers property damage and bodily injury. In addition to covering damage, the policy will also help with the defense costs associated with litigation. Church insurance experts recommend that you have around $1 million of general liability coverage.
Second, you may want employment practices liability. This gives you coverage for claims that happen because of events related to employment. For example, if you encounter a lawsuit for discrimination or wrongful termination. We have seen more claims surrounding this area because of gender and age discrimination.
Professional liability for counseling acts is another thing that you want to cover. In some cases, people have accused pastors of emotional or physical harm. When the coverage claim arises, you want this coverage to match your general liability limits. Workers' compensation coverage is another thing that you want. You want it to cover 100 percent of an employee's medical bills, and you will want the policy to cover negligent acts from employees. An insurance agent can help you to determine the right amount of coverage for your church.
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